CNY renters insurance: A low-cost way to insure your things. But, do you really need it?
How much would it cost you to replace everything you own? Whether you rent a room, apartment, or house, sudden damage can come at any time. That can be an emotional experience. Renters insurance can accelerate your recovery. It's just that not all policies are the same.
Imagine coming home to an empty apartment
Burglaries, storm damage, and accidents can happen anytime. Protect yourself from the unexpected with a renters policy that reimburses you for your losses.
You may think your landlord’s insurance covers your belongings, but that’s false. Your landlord’s insurance only covers the building, not your personal property. If something happens to your home, you could lose everything you own. That’s why you need renters insurance.
Don’t settle for any old policy, however. Some renter's insurance can have unexpected limitations. You want to avoid surprises and take an extra few minutes to ensure your policy is just the right fit for you.
Horan Companies offers comprehensive renters insurance in New York State, including: Baldwinsville, Syracuse, Onondaga County, Liverpool, Fulton and Camillus, NY.
What Our Clients Are Saying
“I always feel confident my insurance needs are covered with Steve and his team. They reach out if they find me a better rate, they clearly review my coverage so I understand, and communication is so easy with them.”
Lizzy Martin
“Steve is easy to work with and incredibly knowledgeable. He explains the details of your policy, highlighting the pros and cons of options. He really helped me to better understand what I was purchasing.”
Erin Wisneski
Education Station
Learn how to choose the right coverage for your needs, how to save money on your premiums, and how to make the most of your benefits. Whether you’re a new or existing client, you’ll find valuable information and tips that can help you protect yourself and your assets.
FAQ
Common Questions and Answers About Your Renters Insurance Policy Options
My landlord wants to be added to my policy. Is that okay?
Yes, that’s okay! It’s customary for a landlord or property manager to be added to your policy as an “additional insured.” This lets them know that your policy is in force and meets their minimum required coverage. But it does not give them the authority to make changes to your policy.
Are my roommate's things covered on my policy?
No, every roommate, including “boyfriends and girlfriends,” needs their own policy.
How much is Renters Insurance?
The typical price range for a renter's insurance policy is $9 - $18 per month. Like most insurance policies, the more you want to insure, the more expensive it becomes.
Renters insurance can save you money
You may think that renters insurance is an unnecessary expense, but that’s not true. Renters insurance can save you money in the long run. It covers
- your personal property from various risks.
- your liability if you are sued for causing injury or property damage to others.
- your extra living costs if you have to relocate temporarily due to a covered loss.
Renters insurance can help you avoid paying out of pocket for these unexpected expenses. It is affordable and flexible. You can choose the coverage and deductible that suits you and your budget.
Renters insurance is a smart investment that protects your finances and your future.